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Investment Fee Drag Calculator

Investment Fee Drag Calculator

How much could fees reduce your future investment value?

Your figures

Your investment

Currency changes formatting only. No exchange-rate conversion occurs.

The amount already invested, or invested at the start. Leave blank if there is none.

The amount added each month, quarter or year. Leave blank if there is none.

Monthly is an interface convention, not a recommendation. The amount is invested at this actual frequency; it is not simply annualised.

Whole months, 1 to 1200. The projection steps monthly. One hundred years is a technical ceiling, not a planning recommendation.

Your assumption, before the fee stack. UBWHY suggests no figure and prefills none.

Use a combined fee when you already know the total; use the stack to show its parts. Choosing the stack opens the Advanced section, where its fields are.

Used in combined mode. The model treats this as one effective annual charge on the invested balance. Enter 0 if there is none.

Advanced: cost stack, contribution timing and fixed fees
Advanced cost details

End of period is an interface convention. It means the contribution is added after that period's growth and fees.

A fixed charge such as a monthly, quarterly or annual account fee. The full amount is deducted at each event.

Annually is an interface convention. The fixed fee runs on its own schedule, independent of contributions.

Compare a second cost structure
Comparison cost structure

Only the costs differ. Return, horizon, contributions and timing stay equal, which makes the comparison deliberately narrow: it prices the entered costs and nothing the costs buy. While this box is unticked the fields below are switched off and cannot be edited, and they are ignored entirely: not read, not parsed and not validated. Ticking it switches them back on with whatever you had already typed.

Your projected result

Results appear here after you choose Calculate. The calculation runs in your browser: UBWHY does not receive the values you enter, and nothing is sent anywhere.

Fee drag grows with time, balance size, assumed return and the entered fee structure. Change one assumption at a time to see which one drives your scenario.